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International Coverage departure arrangements from that country In these turbulent times, the risk of a
and cover eligible associated costs. terrorist attack is a reality. If you are in the
Emergency Medical Evacuation and Emer- wrong place at the wrong time, and the
gency Reunion Trip Interruption country or region you’re visiting is NOT
under a level 3 or level 4 travel advisory,
Would you know what to do if you found One of a traveler’s biggest worries is the Atlas MultiTrip offers coverage for eligible
yourself in a life-threatening situation safety of his or her home while away. If medical expenses resulting from those
far from home? Tokio Marine HCC- MIS you learn that a catastrophic event like a acts. Coverage excludes countries or
Group is experienced in arranging tornado, hurricane or flood has caused regions for which the U.S. Department
Emergency Medical Evacuations. Atlas severe damage to your home while traveling of State has issued a level 3 (“reconsider
MultiTrip will cover eligible expenses abroad, Atlas MultiTrip will cover the cost travel”) or level 4 (“do not travel”) advisory.
necessary to transport you to the nearest of a one-way, economy class ticket to the
medical facility qualified to treat your airport nearest your home. Atlas MultiTrip Quality Benefits
life-threatening condition. We also under-
stand the importance of family support in Natural Disaster- Replacement Accommo- Acute Onset of Pre-Existing Conditions
these difficult situations. Atlas MultiTrip dations
will also cover the transportation, Atlas MultiTrip provides a limited benefit
lodging, and meal costs for a relative Natural disasters can happen anywhere up to the medical coverage lifetime
to join you after an emergency medical and at any time. If a natural disaster occurs maximum for eligible medical expenses.
evacuation, up to the lifetime limit. while on your trip, causing you to become If you are younger than 70, you may
displaced from your accommodations, be covered for an acute onset of a
Repatriation of Remains Atlas MultiTrip will provide relief of a maxi- pre-existing condition. This also includes
mum of $250 a day for 5 days to help cover up to a $25,000 lifetime maximum for
What would your family do if disaster the costs of alternative accommodations. emergency medical evacuation.
strikes while you are away from home?
The death of a loved one is never easy, no Hospital Indemnity An acute onset of a pre-existing condition
matter the circumstances. In the unfortu- is a sudden and unexpected outbreak or
nate event of your death while traveling If you are hospitalized, the world around you recurrence of a pre-existing condition which
abroad, Atlas MultiTrip will arrange for and does not stop. What’s more, in some places occurs spontaneously and without advance
cover eligible costs associated with the hospitals do not provide their patients basic warning either in the form of physician
repatriation of your remains. necessities like meals, toothpaste or soap. recommendations or symptoms.Treatment
If you are hospitalized as an inpatient for must be obtained within 24 hours of the
Political Evacuation treatment of a covered illness or injury, Atlas sudden and unexpected outbreak or recur-
MultiTrip will provide $100 for each night you rence. Chronic and congenital conditions are
If, during the coverage period and after spend in the hospital. excluded from coverage.
your arrival, the United States government
issues a level 3 or level 4 travel advisory Terrorism
for your destination country, Atlas
MultiTrip will coordinate your alternate

*The description of coverage in these pages is for informational purposes only. Actual coverage will vary based the terms and conditions of the policy issued. The information described herein does
not amend or otherwise affect the terms and conditions of any insurance policy issued by Tokio Marine HCC -MIS Group or its affiliates. In the event that a policy is inconsistent with the information
described herein, the language of the policy will take precedence.

**A pre-existing condition is any condition:
• for which medical advice, diagnosis, care, or treatment was recommended or received within 2 years prior to your effective date of coverage
• which would cause a reasonably prudent person to seek medical advice, diagnosis, care, or treatment within 2 years prior to your effective date of coverage
• that existed (with reasonable medical certainty) with 2 years prior to your effective date of coverage, whether or not it was known to you

***A buy-up of an additional $90,000 is available for selection, which includes the added benefit of a $10,000 maximum for natural disaster evacuation.
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